St. Charles County property record for 521 S 2nd St, Saint Charles, MO 63301
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 2,250 sqft · built 1980 |
| Lot Size | 0.144 acres (6,264 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $315,000 (Apr 2024) |
| Tax Bill | $3,081 (2025) |
| Deeds & Mortgages | Nov 2021 Mortgage Apr 2024 Sale + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 005850A000 |
| Primary APN | 005850A000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 2,250 sqft Living Area |
| Gross Area | 2,850 sqft |
| 1st Floor Area | 1,825 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1980 |
|---|---|
| Effective Year Built | Effective 1980 |
| Architectural Style | Multi-Level |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 6,264 sqft (0.144 acres) |
| Lot Dimensions | 150 ft deep x 42 ft wide |
| Terrain | Rolling |
| Garage Type | Attached |
| Garage Area | 600 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 252 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | 005850A000 |
|---|---|
| Street Address | 521 S 2ND ST |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63301-3405 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AF2 |
| Legal Description | PT CITY BLK 74 |
| Legal Subdivision | CITY/ST CHARLES |
| Legal Block | 74 |
| Legal Lot Number | 10 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | LINDENWOOD |
| Census Block Group | 2 |
| Census Block | 2031 |
| Census Tract | 310502 |
521 S 2nd St is owned and occupied by two individuals who bought it in April 2024.
Source: St. Charles County records, as of September 10, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 521 S 2ND ST, SAINT CHARLES, MO 63301-3405 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 8, 2021 | Deed of Trust, Mortgage · Conventional Mortgage COMMUNITY MORTGAGE LLC |
| Apr 2, 2024 | Warranty Deed, Transfer CONTINENTAL, CONTINENTAL TITLE COMPANY |
| Feb 26, 2024 | Warranty Deed, Transfer |
| Sep 26, 2017 | Warranty Deed, Transfer COMMUNITY MTG |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 2, 2024 · Amount on File |
| Deed Sale | Apr 2, 2024 · Amount on File |
| Prior Sale | Feb 26, 2024 |
| Deed Document Number | 202412274 |
| Prior Transfer Date | Nov 21, 2012 |
| Prior Transfer Doc | 0000122530 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 521 S 2ND ST, SAINT CHARLES, MO 63301-3405 |
| Transaction Type | Mortgage |
| Record Updated | Apr 17, 2024 |
| Title Company | TRADEMARK TITLE SERVICES INC |
| Name | Verified Name |
|---|---|
| Address | 521 S 2ND ST, SAINT CHARLES, MO 63301-3405 |
| Document Number | 0000091979 |
|---|---|
| Date | Nov 8, 2021 |
| Instrument | 2021R-091979 |
| Name | COMMUNITY MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | INDEPENDENCE, MO 64055 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Dec 1, 2036 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Apr 2, 2024 |
| Property Address | 521 S 2ND ST, SAINT CHARLES, MO 63301-3405 |
| Document Number | 0000012274 |
| Instrument Date | Apr 1, 2024 |
| Instrument | 2024R-012274 |
| Transaction Type | Transfer |
| Record Updated | Apr 17, 2024 |
| Title Company | CONTINENTAL, CONTINENTAL TITLE COMPANY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 120 TIMBER RUN, SAINT PETERS, MO 63376-6842 |
| Name | Verified Name |
|---|---|
| Address | 521 S 2ND ST, SAINT CHARLES, MO 63301-3405 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Feb 26, 2024 |
| Property Address | 521 S 2ND ST, SAINT CHARLES, MO 63301-3405 |
| Document Number | 0000007059 |
| Map Reference | MB 6813 PG 1955 |
| Instrument Date | Feb 8, 2024 |
| Instrument | 2024R-007059 |
| Transaction Type | Transfer |
| Record Updated | Apr 17, 2024 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 200 N 2ND ST, SAINT CHARLES, MO 63301-2851 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Sep 26, 2017 |
| Property Address | 521 S 2ND ST, SAINT CHARLES, MO 63301-3405 |
| Document Number | 0068131955 |
| Book / Page | 006813 / 001955 |
| Instrument Date | Sep 21, 2017 |
| Instrument | 605790 |
| Transaction Type | Transfer |
| Record Updated | Oct 2, 2017 |
| Title Company | SELECT TITLE GROUP |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 521 S 2ND ST ST CHARLES MO 633013405, ST CHARLES, MO 63301-3405 |
| Document Number | 68131957 |
|---|---|
| Date | Sep 26, 2017 |
| Book Page | 006813/001957 |
| Instrument | 605800 |
| Name | COMMUNITY MTG |
|---|---|
| Type | Mortgage Company |
| Address | INDEPENDENCE, MO 64055 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Sep 25, 2047 |
The 2025 property tax bill for 521 S 2nd St was $3,081.
Source: St. Charles County assessment roll, as of August 7, 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Charles County |
| Municipality | St. Charles City |
| Unified School District | St. Charles R-VI School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $49,126 (-) | $258,554 (-) Land $50,000 Building $208,554 | |
| 2025 | $3,081.00 | $49,126 | $258,554 Land $50,000 Building $208,554 |
| 2023 | $46,753 | ||
| 2022 | $246,069 Land $37,500 Building $208,569 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
FEMA maps place 521 S 2nd St in Zone X, an area of minimal flood risk, though there have been 22 flood claims nearby since 1979.
Source: FEMA National Flood Hazard Layer, effective August 25, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 15 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 15 in force |
| Nearby Flood Claims | 22 (1979–2022) |
| Most Recent Claim | Jul 2022 · Severe Storms And Flooding |
| Claims by Event |
|
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
The area around 521 S 2nd St has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | ST CHARLES PWS serves 78,961 people · EPA ID MO6010707 |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | Oct 2024 |
| Lead | Under 1 ppb (2022–2024) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 345 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL · Fixed Wireless in parts of the area | 5,000 / 5,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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